FDIC Certificate #: 23063 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Bank & Trust (#22912) Federal Reserve ID: 215363 Date Established: March 03, 1980 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Interstate: No) OTS Docket #: 14428 FDIC's unique #: 16152 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: March 03, 1980 Last Structure Change Effective Date: October 31, 2001 Last Structure Change Process Date: November 20, 2001 Last Data Update: November 20, 2001 Data Source Date: April 05, 2012
Location
Address: 1875 North Tustin Avenue, Orange, CA 92865 County: Orange Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Orange Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Orange County, CA (#5945) Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49) Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348) Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100) CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100) Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
Financial Summary
Total assets: $282.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
220Total employees (full-time equivalent)
$285,221Total assets
$30,481Cash and due from depository institutions
$111Interest-bearing balances
$17,660Securities
$26,100Federal funds sold & reverse repurchase agreements
$185,713Net loans & leases
$2,295Loan loss allowance
$0Trading account assets
$5,770Bank premises and fixed assets
$858Other real estate owned
$4,088Goodwill and other intangibles
$0Life insurance assets
$14,551All other assets
$285,221Total liabilities and capital
$256,942Total liabilities
$254,421Total deposits
$187,173Interest-bearing deposits
$254,421Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,521All other liabilities
$28,279Total equity capital
$28,279Total bank equity capital
$28,279Perpetual preferred stock
$0Common stock
$14,118Surplus
$0Undivided profits
Memoranda
$14,161Noncurrent loans and leases
$22,612Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,292Earning assets
$0Long-term assets (5+ years)
$996Average Assets, year-to-date
$229,584Average Assets, quarterly
$34,849Volatile liabilities
$320,887Insider loans
$289,238FHLB advances
$38,774Loans and leases held for sale
$1,816Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$22,439Total risk weighted assets
$22,612Total unused commitments
$0Restructured Loans and leases
$2,295Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$28,576Total interest income
$10,267Total interest expense
$18,309Net interest income
$600Provision for loan and lease losses
$17,816Total noninterest income
$0Fiduciary activities
$703Service charges on deposit accounts
$0Trading account gains & fees
$17,113Additional noninterest income
$32,689Total noninterest expense
$17,111Salaries and employee benefits
$4,369Premises and equipment expense
$11,209Additional noninterest expense
$2,836Pre-tax net operating income
$0Securities gains (losses)
$1,151Applicable income taxes
$1,685Income before extraordinary items
$0Extraordinary gains - net
$1,685Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$915Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
11.15%Yield on earning assets
4.01%Cost of funding earning assets
7.14%Net interest margin
6.95%Noninterest income to earning assets
12.75%Noninterest expense to earning assets
0.53%Net operating income to assets
0.53%Return on assets (ROA)
0.88%Pretax return on assets
6.06%Return on equity (ROE)
6.06%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
65.57%Credit loss provision to net charge-offs
3.76%Efficiency ratio
90,154Assets per employee
1.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
177.63%Noncurrent assets plus other real estate owned to assets
0.75%Noncurrent loans to loans
0.69%Net loans and leases to deposits
72.99%Net loans and leases to core deposits
86.12%Equity capital to assets
9.91%Core capital (leverage) ratio
9.36%Tier 1 risk-based capital ratio
9.30%Total risk-based capital ratio
Memoranda
$10Average assets
$320,887Average earning assets
$27,783Average equity
$256,285Average loans
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